The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,238
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,556
−HK$324/mo
Today · 4.125%
HK$10,880
baseline
▲ 0.50% · 4.625%
HK$11,542
+HK$662/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,760/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,389
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,695
−HK$310/mo
Today · 4.125%
HK$12,005
baseline
▲ 0.50% · 4.625%
HK$12,637
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$24,010/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,285
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,667
−HK$388/mo
Today · 4.125%
HK$13,055
baseline
▲ 0.50% · 4.625%
HK$13,850
+HK$795/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$26,110/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,667
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,034
−HK$371/mo
Today · 4.125%
HK$14,405
baseline
▲ 0.50% · 4.625%
HK$15,165
+HK$760/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$28,810/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,333
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,778
−HK$453/mo
Today · 4.125%
HK$15,231
baseline
▲ 0.50% · 4.625%
HK$16,158
+HK$927/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,462/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,945
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,373
−HK$433/mo
Today · 4.125%
HK$16,806
baseline
▲ 0.50% · 4.625%
HK$17,692
+HK$886/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,612/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,428
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$582/mo
Today · 4.125%
HK$19,583
baseline
▲ 0.50% · 4.625%
HK$20,775
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,166/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,501
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,050
−HK$558/mo
Today · 4.125%
HK$21,608
baseline
▲ 0.50% · 4.625%
HK$22,747
+HK$1,139/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,216/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,345 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).